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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,576 | $93,345-26.5% | $119,126-42.4% | $87,485-21.6% |
| Participation rate | 78.4% | 68.7%+9.6pp | 75.8%+2.6pp | 68.9%+9.4pp |
| Annual return | 16.52% | 19.08%-2.6pp | 282.11%-265.6pp | 26.06%-9.5pp |
| Employer contribution / active EE | $2,379 | $3,172-25.0% | $4,034-41.0% | $2,596-8.4% |
| Participant deferral / active EE | $6,240 | $4,099+52.2% | $5,318+17.3% | $4,274+46.0% |
| Admin fee / account holder | $2,394 | $8,039-70.2% | $10,693-77.6% | $7,775-69.2% |